A borrower emails the following to an MLO: name, annual income, SSN, and desired loan amount of $400,000. They do NOT provide a property address or estimated property value. Has a TRID application been received?

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Accepted Answer

No — only 4 of 6 required pieces were provided; property address and estimated value are missing TRID requires ALL 6 pieces to trigger an application. This borrower provided 4 (name, income, SSN, loan amount) but is missing 2 critical pieces: property address and estimated property value. Without a specific property, the lender cannot prepare a meaningful Loan Estimate (costs, taxes, insurance, and terms all depend on the property). Until all 6 pieces arrive, this remains a pre-qualification inquiry. The delivery method (email) is irrelevant — only completeness of the 6 data points triggers TRID.

A borrower emails the following to an MLO: name, annual income, SSN, and desired loan amount of $400,000. They do NOT provide a property address or estimated property value. Has a TRID application been received?

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